Atupri Spital Spital Opti 1 vs. Helsana HOSPITAL FLEX Flex 1: benefits compared
Direct comparison of Atupri Spital Spital Opti 1 and Helsana HOSPITAL FLEX Flex 1 in 4 categories. All values come from the policy terms and are backed by their source.
Atupri Spital Spital Opti 1 is better on 2 features, Helsana HOSPITAL FLEX Flex 1 on 3; both are equal on 6.
- Atupri Spital Spital Opti 1
- Helsana HOSPITAL FLEX Flex 1
- Compare with other products
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Hospital
Maternity
| Feature | Atupri Spital Spital Opti 1 | Helsana HOSPITAL FLEX Flex 1 | Result |
|---|---|---|---|
| Newborns without health check | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | No verified information | not comparable |
| Waiting period in months | No verified information | 12 monthsSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 1 | not comparable |
Travel abroad
| Feature | Atupri Spital Spital Opti 1 | Helsana HOSPITAL FLEX Flex 1 | Result |
|---|---|---|---|
| Emergency cover cap | CHF 40’000Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | CHF 500Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 | Atupri Spital Spital Opti 1 better |
| Worldwide validity | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 | No verified information | not comparable |
| Planned treatment abroad | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | CHF 500Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 | Helsana HOSPITAL FLEX Flex 1 better |
Contract terms
| Feature | Atupri Spital Spital Opti 1 | Helsana HOSPITAL FLEX Flex 1 | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | 1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | equal |
| Cancellation notice in months | 3 monthsSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | 3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | equal |
| Maximum entry age | 70Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 1 | No verified information | not comparable |
| Insurer does not cancel after a claim | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | equal |
| Family discount | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 6 | No verified information | not comparable |
| Premium and age | Premium is based on age classes; it changes at the start of the year in which age 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65 and 70 is reached.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | No verified information | not comparable |
| Notable exclusions | Only acute hospital stays are covered; no outpatient treatment (except Art. 6.3), no stays in hospitals not on the cantonal hospital list, no benefits if travelling abroad for treatment; psychiatric clinic limited to 90 days per year.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Other notable benefits | Uncovered costs of the healthy newborn after birth in a private/semi-private ward are paid from the mother's Spital insurance.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.